| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HUMAN RESOURCE CONSULTING | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | — | $58K | $58K | 1.13% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | $49K | — | $49K | 0.96% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | PO BOX 850502 MINNEAPOLIS, MN 55485 | RELIASTAR LIFE INSURANCE COMPANY | $457K | — | $457K | 11.42% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HORIZON BCBS EIN 22-0999690 3RD PARTY | Insurance agents and brokers; Contract Administrator Service code 13 | — | $2.2M |
| CVS CAREMARK EIN 05-0494040 3RD PARTY | Insurance services Service code 23 | — | $365K |
| AETNA EIN 06-6033492 3RD PARTY | Contract Administrator; Claims processing Service code 12 | — | $234K |
| CAREBRIDGE CORPORATION EIN 23-2614764 3RD PARTY | Other fees Service code 99 | — | $114K |
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 7,500 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 7,500 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HARTFORD LIFE AND ACCIDENT | 1,217 | $640K |
| Vision(4 contracts) | EYEMED VISION CARE | 1,863 | $28K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 6,861 | $5.1M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 6,861 | $5.1M |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 6,862 | $9.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,862 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.